Insurance
Health Insurance
Effective: 1st of the month after commencement of employment
Major medical coverage is available for full-time employees (as defined by the Affordable Care Act) and is effective on the first day of the month following full-time employment. This coverage is currently provided by United Healthcare through the Missouri Education Health Group (MEHG). Benefits are based on whether the provider is in-network or out-of-network. Three options are available: the PPO Plan, Base or Flexpoint Plan, and the HSA plan. For more information, see the applicable schedule of benefits.
Summary of Benefits and Coverage—PPO Plan (Choice Plus Plan BCMN) effective 7/1/2021
Summary of Benefits and Coverage—Flexpoint Plan (Choice Plus Plan BYRR) effective 7/1/2021
Summary of Benefits and Coverage—HSA Plan (Choice Plus Plan BC2B) effective 7/1/2021
Rate Schedule effective July 1, 2021
Health Plan information prior to July 1, 2021:
Summary of Benefits and Coverage—PPO Plan (Choice Plus Plan BCMN) effective 7/1/2020
Summary of Benefits and Coverage—Flexpoint Plan (Choice Plus Plan BYRR) effective 7/1/2020
Summary of Benefits and Coverage—HSA Plan (Choice Plus Plan BC2B) effective 7/1/2020
Rate Schedule effective July 1, 2020
Benefit Summary PPO Plan (Choice Plus Plan BCMN) effective 7/1/2020
Benefit Summary Flexpoint Plan (BYRR) effective 7/1/2020
Benefit Summary HSA Plan (BC2B)effective 7/1/2020
Health Plan information prior to July 1, 2020:
Summary of Benefits and Coverage—PPO Plan (Choice Plus Plan AQIQ) effective 7/1/2019
Summary of Benefits and Coverage—Flexpoint Plan (JTZ) effective 7/1/2019
Summary of Benefits and Coverage—HSA Plan (JUW) effective 7/1/2019
Rate Schedule effective July 1, 2019
Benefit Summary PPO Plan (Choice Plus Plan AQIQ) effective 7/1/2019
Benefit Summary Flexpoint Plan (JTZ) effective 7/1/2019
Benefit Summary HSA Plan (JUW)effective 7/1/2019
Health Plan information prior to July 1, 2019:
Summary of Benefits and Coverage—PPO Plan (Choice Plus Plan AQIQ) effective 7/1/2018
Summary of Benefits and Coverage—Flexpoint Plan (JTZ) effective 7/1/2018
Summary of Benefits and Coverage—HSA Plan (JUW) effective 7/1/2018
Rate Schedule effective July 1, 2018
Benefit Summary PPO Plan (Choice Plus Plan AQIQ) effective 7/1/2018
Benefit Summary Flexpoint Plan (JTZ) effective 7/1/2018
Benefit Summary HSA Plan (JUW)effective 7/1/2018
Health Plan information prior to July 1, 2018:
Summary of Benefits and Coverage—PPO Plan (GVR) effective 2/1/2017
Summary of Benefits and Coverage—Flexpoint Plan (JTY) effective 2/1/2017
Summary of Benefits and Coverage—HSA Plan (JUW) effective 2/1/2017
Rate Schedule effective February 1, 2017
Benefit Summary PPO Plan (GVR)effective 2/1/2017
Benefit Summary Flexpoint Plan (JTY)effective 2/1/2017
Benefit Summary HSA Plan (JUW)effective 2/1/2017
Health Plan information prior to July 1, 2018:
Summary of Benefits and Coverage—PPO Plan (GVR) effective 2/1/2017
Summary of Benefits and Coverage—Flexpoint Plan (JTY) effective 2/1/2017
Summary of Benefits and Coverage—HSA Plan (JUW) effective 2/1/2017
Rate Schedule effective February 1, 2017
Benefit Summary PPO Plan (GVR)effective 2/1/2017
Benefit Summary Flexpoint Plan (JTY)effective 2/1/2017
Benefit Summary HSA Plan (JUW)effective 2/1/2017
Life Insurance (Basic)
Effective: 1st of the month after commencement of employment
All Full-time employees are enrolled for a life insurance benefit of $20,000 and an accidental death and dismemberment benefit of $20,000.
Life Insurance (Voluntary)
Effective: 1st of the month after commencement of employment
Full-time employees may elect coverage provided by Cigna for additional life insurance benefits in $25,000 increments up to $150,000 guaranteed issue. Coverage may also be elected for up to $50,000 for a spouse and up to $10,000 for children. AD&D coverage in corresponding amounts may also be elected.
Long-term Disability
Effective: 1st of the month after commencement of employment
Full-time employees may elect coverage provided by Cigna for full or partial disability lasting longer than 90 days.
Short-term Disability
Effective: 1st of the month after commencement of employment
Eligible employees may elect coverage through Aflac that pays benefits for full or partial disability lasting less than 90 days.
Dental Insurance
Effective: 1st of the month after commencement of employment
Full-time employees and their families may elect coverage provided by Cigna using the Cigna DPPO dental network. Preventative services are covered at 100% of UCR, Basic and major services are covered at 80% and 50% respectively, with a $50 per year, per person deductible (maximum deductible of $150 per family).
CURRENT DENTAL PREMIUMS (MONTHLY)
Coverage and claim information can be found at www.myuhc.com.
Flex Plan participants can only make changes to their coverage at the beginning of the plan year or if there is a qualifying event.
Vision Insurance
Effective: 1st of the month after commencement of employment
Full-time employees and their families may elect coverage provided by Cigna using the VSP network. When utilizing the VSP network, the plan pays for eye exams and glasses with $10 copays for each. Out of network services are reimbursed up to specified limits. If elected instead of glasses, contact lenses, including the exam, are paid up to $120 every 12 months.
CURRENT VISION PREMIUMS (MONTHLY)
Coverage and claim information can be found at www.myuhc.com.
Long-Term Care Insurance
Effective: 1st of the month after policy is issued, after 6 months of employment.
Full-time employees and their families may elect a coverage plan provided through LTC Financial Partners, LLC, the policies are underwritten by United of Omaha Insurance Company.
For an overview and explanation of our Long-Term Care Benefit view our online newsletter – Long-Term Care Today.
Accident Insurance
Effective: 1st of the month after commencement of employment.
This is an accident only insurance policy providing limited benefits, including an annual wellness screening benefit and a death benefit if death is as a result of and occurs within 365 days an accidental injury. For covered accidental injuries, fixed benefits are paid directly to you regardless of any other coverage you may have. Coverage is available for dependents and is provided by Aflac.
Flex Plan participants can only make changes to their coverage at the beginning of the plan year or if there is a qualifying event.
Critical Illness Insurance
Effective: 1st of the month after policy is issued.
This insurance pays a fixed benefit upon initial diagnosis of a covered critical illness up to $50,000, depending on the amount of coverage elected. Covered illnesses include heart attack, heart failure, stroke, blindness, major organ failure, end stage kidney disease, and invasive cancer. This includes an annual wellness screening benefit and coverage is available for dependents. Coverage is provided by Aflac.
Hospital Indemnity Insurance
Effective: 1st of the month after commencement of employment.
This insurance provides benefits for hospital admissions/confinements, emergency room visits, out-of-hospital prescription drug, and well-baby care. Coverage is provided by Aflac.